fund investment with the one-time purchase, has its own characteristics, different investors may favor different purchase method. Then, fund investment and better suited to what investors?
first class, insufficient investment of effort and time, or lack of experience in investment investors. From fund investment “ expert financial ” perspective, with fund company specialized investment research strength and complete risk control system that lets investors enjoy relatively easy process. Fund investment with automatic deduction and stabilize the market risk and other features, allows investors the investment process more robust and easier.
the second class, with a stable source of income for investors. Fund investment and works best for each month of investing a fixed amount per month with a steady income investors. This includes two categories of investors. First class people have accumulated some wealth investor. This part of the investors have several years of work experience, accumulated some wealth, but is not very rich. An investor 32 years of age, there are 90,000 yuan of funds for investment funds, have a steady income of $ 12,000 per month. So, his first investment of $ 90,000 for a one-time purchase, the methods can be a suitable target combined with the risk appetite of the Fund, and from the planning part of the monthly income used to fund investment. Second category of investors in people is not any wealth accumulation. City “ Moon family ” is a large group, they usually just the workforce, work experience and income are relatively small. A investors 25 years old this year, master degree, with a monthly salary of 7,000 yuan stability, no deposit. This part is in a life of wealth accumulation period for investors, over a long period of time (more than 10 years) of the Fund investment and realization of “ compulsory accumulation of wealth ” purposes.
in addition, the Fund investment and can help asset is not abundant but stable income families achieve long-term investment plans, including pension costs planning, children's education fees planning and housing down payment accumulation plan, this form of investment is what draws United States 401K plan (means the United States in 1978 under the internal revenue code section No. 401 k). (Excerpt from Huaxia fund investor education books of the do a reasonable investor. Market risk, investment need to be cautious. )
